Mentone, Alabama. Mentone: DeSoto Falls, Mentone AL. User comment: It's a great picture, but it's a picture of Littlew River Falls, not DeSoto Falls. Mentone: Photo of the 1884 Mentone Springs Hotel by Patty Tucker. The hotel operates as a Bed & Breakfast, has a full service restaurant and is the perfect place for weddings and receptions.
direct damage coverage. Property insurance that pays the value of property that has been damaged by a covered cause of loss or the cost of its repair or replacement. This is in contrast to time element property insurance, which pays for loss of income or increase in expenses that result from the unavailability of the damaged property while it is being repaired or replaced.
We insure for direct physical loss to the property ... by a peril listed below, unless the loss is excluded... (underlining added) 1. Fire or Lightning. 2. Windstorm or hail. ... This peril does not include loss to property contained in a building, unless the direct force of wind or hail damages the building first. 3. Explosion. 4. Riot or civil commotion. 5.